Pet Insurance Cost Cutting System/MoneySavingExpert.com Discussion

belfastgal

Has anyone has any experience of having to claim off one on this thread ....'healthy pets' .It looks very reasonable .Is there a catch somewhere, in as 'you only get what you pay for ' ?
have a six month old pedigree puppy and would be happier having pet insurance just in case.
Their bronze cover is only £45 per year

Boxer_Lover

denize wrote:

I DIDN'T REALISE BUYING A PUP WOULD BE SO STRESSFUL! SHE IS SO ADORABLE BUT WE ARE ALL SO WORRIED THAT SHE IS EATING ENOUGH ETC, ETC THAT I THINK SHE IS FED UP WITH US NOW!!!

Oh I totally understand where you are coming from with the stress thing as you're just worried that your little girl is getting the best she can. I have no experience with Great Danes so can't help on whether she is eating enough, I know how often boxer pups should be fed ie 4 meals a day ... however, I would suggest searching the net and looking for some Great Dane Forums, I'm sure they will have feeding information there if not join and ask the question. They should also be able to suggest good foods for your dog, you'll be surprised that alot of popular supermarket brands do not provide adequate nutrients for a growing dog - I'm on a boxerdog forum and have found it invaluable especially when I got my two cause they are sisters so I was able to be aware of possible problems when raising littermates, now I've been on it for over a year and find myself giving advice from my own experiences plus still asking others for theirs.

Good luck and enjoy your furbaby and take loads of pictures cause like I said (and you've noticed) they grow up all too quickly.

Boxer_Lover

sackcloth wrote:

Finally, wondered if anyone else had had their nil excess increased? My renewal documents included a paragraph advising that my nil excess was being increased to £50. I haven't claimed on the policy at all so have challenged this and been told that I can keep the nil excess if I renew but I'm still shopping around.

Yes I had the same paragraph as you and I queried it as well as I have nil excess on mine and the documentation received seems to contradict itself - I was told that my excess was still nil, it was just wording that had to be added to the policies in general but didn't apply if you had nil excess .... I have claimed since and been paid accordingly ie nil excess.

One thing I did notice when I looked around was that other insurance companies wanted to know about unroutine visits to the vets whether they were claimed for or not ... so even though you're looking around but have never claimed bear this in mind ... then again if you have nil excess I assume your dog has never been ill otherwise you would have .... anyways I found that even the fact that I'd taken my dog the vets cause it had had a bout of diarrhea (think I spelt that wrong-runny poos basically) ... the quotes were coming back excluding that condition, which is a pretty much common thing which can happen for different reasons in dogs so that's another reason I decided to stay with M&S.

Hope this helps.

FL

Does anyone know of any pet insurance companies that accept old cats. he is now aged 9 and both Direct Line and Tesco will no longer insure him for a new quote. My existing company is very expensive on renewal.

redfox

I just got my 2 10½ year old cats newly insured with Churchill

and it was cheaper than their previous insurance (with Tesco) as well! Worth a try

edit: just found this as well....there are policies specifically for 'senior' pets

Gingham_Ribbon

FL, I am sure there are some older threads on this topic, but I'm having a bit of trouble with the search facility to my shame. I have asked for a bit of help locating them so I'll post links if I can track them down.

deanos

Got ours with Halifax and it has Continuous Cover not just for 12 months like the Churchill one above.

https://www.halifaxpetinsurance.co.uk also cashback at Rpoints

Gingham_Ribbon

Someone kind found this for you. I had no luck! But there's a link to another useful thread in one of the posts in the link.

lysaght

My dog developed some leg problems during the period of insurance with Sainsbury's Bank and I have made an initial claim. They raised their premiums from £119/year to over £450 and I moved to Tesco. They are now refusing to cover any further claims for the original condition. Meanwhile the dog suffers. This can't be right can it?

deanos

You will have to stay Sainsburys to get continous cover so this sounds correct , Tesco will not cover the condition and it will be excluded from further claims from them because it will be a pre-existing condition